Frequently Asked Questions

Premium Payments

Generally, premiums for Non-Credit insurance may be paid in cash, by personal check, or by a loan proceeds check. Some term life insurance premiums may be paid by mailing a check or through a checking or savings account (ACH Debit).

Premiums for credit insurance are typically included in the loan payment.

The mailing address for your policy/certificate and/or billing statement may be changed by completing the Change of Mailing Address or Phone Number section of the Change of Policy/Certificate Request Form and returning it to us.

Insurance protection is an important part of your financial portfolio and provides security in times of need. If, however, you decide that you no longer want your voluntary insurance coverage you may cancel it by completing a Cancellation Request Form and sending it to us (instructions are at the bottom of the form).

A variety of claim forms and instructions for their use can be found on the Find a Form section of this website. Links to each form are provided. Follow the instructions located on the claim form. If you need assistance determining the proper claim form, please call us at 1-800-307-0048.

Claims – Disability

If your claim is approved, we pay 1/30th of your monthly benefit per day of disability. For credit insurance, payment is generally made to your lender and is applied directly to your account. For the Disability Income Protection Policy, payment will be mailed directly to you.

Yes, even though you are receiving social security disability benefits, a physician who can verify your disability must complete the claim form. Please include a copy of your Social Security Disability Award Letter with your claim form.

Submit a claim form so we may get the claim started while you are waiting for the state to make their determination. The insurance company requires you to qualify for state unemployment benefits before a claim payment will be made.

Submit a claim form along with paperwork from your employer verifying receipt of these benefits. If this is not available, provide a signed, dated statement regarding the details of your employer paid benefits.

Because this is Collateral Protection Insurance, any claim payment under CPI coverage is made directly to the lender as the lender is the first named insured under the policy. For claims under VLDI or ASI coverage, claim payments for partial losses are made jointly payable to the lender and customer and total loss payments are made payable to only the lender.

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